Lending solutions

Lending can be used by our customers to help grow their wealth and realise their ambitions. Which is why our experts look at each lending request on an individual basis and consider every aspect of the customer’s wealth to ensure we offer them the most suitable lending terms.

Service is available to anyone with a sole income of at least £100,000 or £250,000 or more in savings / investments. Fees and charges will apply.


  • We put each lending request in the hands of one of our experts.
  • Customers with large borrowing requirements benefit from a dedicated contact.


  • We aim to identify the most suitable solution by considering your overall wealth, income, and viability of your proposal. 
  • Fees and charges reflects the specific proposal details.


  • We offer flexible repayment options built around your income and other assets you plan to sell. 
  • We can lend on an interest-only or a capital and interest repayment.
  • If security is required, we can consider a wide range of assets.

How much we lend, the period and rate available are subject to our assessment of your circumstances. Specific eligibility criteria and conditions apply for certain types of lending. You must be 18 or over and a UK resident to apply. Lending is subject to status and application. Security may be required.  

Some of our lending solutions


Developing your property portfolio

  • Our Buy to let loan allows you to purchase property with a view to letting it out to tenants (Up to 10 Properties).

    You may lose your property if you don't keep up your mortgage repayments.

  • Our Self-Build loans are here to assist customers who wish to build their new home or renovate their current one. Our loans are:

    • Tailored to suit your specific project and time frame
    • Allows you to draw down funds as and when you need them to support the project.

    You could lose your home if you don’t keep up your mortgage repayments. 

  • Our Bridging Loan is designed to help purchase your new home in advance of selling your existing home. Repayment would come from the sale proceeds of your existing home. These loans are available on an open basis where you do not have contracts exchanged for your sale or on a closed basis where contracts have been exchanged.  

    If you fail to repay your loan, you could lose your property if it has been secured against it.

Family affairs

A helping hand when it's needed

  • Our Guarantor Loan allows you to guarantee a family member’s borrowing. It’s the ideal way to help the next generation take their first step onto the housing ladder.

  • Executors will often need to pay inheritance tax charges before the distribution of the proceeds of an estate. Our short-term Inheritance Tax Loans allow this liability to be met. The loans and interest are then repaid once the estate has been settled.

Personal & Business

Loans to cater for all your needs

  • As part of Lloyds Banking group, we can introduce you to our Commercial team who can consider requests of a business nature.

  • Our loans have been tailored to cater for your medium to long term needs. Loans can be Interest Only, with the full amount of capital borrowed becoming payable at the end of term, or Capital and Interest repayment.

Hamish Allison

Private Banking Lending Manager


“At Bank of Scotland Private Banking, we offer our customers a tailored Specialist Lending Service, individually shaping loans to suit their unique requirements, with a flexible approach that enables us to offer solutions that take into account their overall wealth position.”

Contact us for a personal introduction

Existing Customer? If you are an existing Private Banking customer, please contact us on 0345 711 1111.

Service eligibility

Our Specialist Lending service is available to anyone with a sole income of at least £100,000 or £250,000 or more in savings and/or investments. Fees and charges will apply.


Call us

To find out more, please call us on:

0345 878 0023

Calls may be monitored and recorded. Calls cost may vary depending on your service provider.

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Supporting documents

Bank of Scotland plc and Lloyds Bank plc are both part of Lloyds Banking Group. More information on Lloyds Banking Group can be found at www.lloydsbankinggroup.com

Bank of Scotland plc
Registered Office: The Mound, Edinburgh EH1 1YZ. Registered in Scotland No. SC327000. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 169628.

Lloyds Bank plc 
Registered Office: 25 Gresham Street, London EC2V 7HN. Registered in England and Wales No. 2065. Authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority under number 119278.